An all-black OC Solar panel array on a SoCal tile roof at golden hour

Financing · Updated June 2026

Go solar your way.

No-credit-check prepaid, $0-down PPA, or cash — pick the path that fits your home and budget.

Get my custom quote Compare all 3

Compare all three

At a glance

A no-credit-check plan, a $0-down PPA with three providers, and cash — the honest trade-offs, side by side.

Step 1 · Your bill

Average monthly electric bill$250/mo

$100$1,000

Drag to set your bill

Keep paying the utility, and your $250/mo becomes

~$143,000

over the next 25 years, if rates rise ~5%/yr — estimate, not a guarantee

That's $3,000 in the next 12 months alone, at today's rate.

Every path below converts part of that spend into savings or ownership.

Step 2 · What matters most to you?

Pick a priority above and we'll match you to one of the three paths — Participate Energy, a $0-down PPA, or cash.

Get my exact numbers

We'll build you a precise, itemized proposal at no cost.

$0-down option availableNo-credit-check option availableFree quote · no obligation

*Savings and ROI figures are owner-provided projections that assume average utility rates escalating ~5% annually. Estimates only — individual results vary; not a guarantee.

Illustrative; terms vary by credit, system size, and provider. Updated June 2026 — confirm current terms with your OC Solar advisor.

Dollar figures above are simple arithmetic on the bill you set: PPA savings = 10–50% of your bill (year 1); 25-year utility spend = your bill × 12 × 25 years of ~5% annual increases. No system prices are estimated here.

Three ways to move forward

Read the path that matches your priorities.

The essentials stay visible. Detailed pros and trade-offs open only when you want them.

Swipe to compare all three →

01No credit check

No credit check

No credit? No problem.

A no-credit-check plan that still captures ~30% federal value — prepay once or use a monthly loan, with a path to eventual ownership.

Best if: Your credit is thin or rebuilding, or you prefer to skip a traditional lender.

credit check

Monthly

loans available

~30%

§48E captured

5–6 yr

avg ROI window (est.)

See pros and trade-offs

No credit check, no lender
Monthly loans available
~30% §48E captured
~20% average ROI in year 1 (est.)
~35% ROI anticipated over 25 yrs (est.)

–Not owned day one — ownership comes later
–Fewer providers / terms than a loan
–ROI figures assume avg utility rates escalating ~5%/yr — estimates, not a guarantee

See if I prequalify

Participate Energy

PPA · $0 down

Solar with nothing down.

One $0-down PPA path, three trusted providers — GoodLeap, ENFIN, and LightReach by Palmetto. The provider owns, monitors, and maintains the system; you pay a predictable rate that beats the utility.

Best if: You want nothing out of pocket, zero maintenance, and savings from month one.

out of pocket

10%–50%

avg yr-1 bill savings (est.)

Provider

owns + maintains

See pros and trade-offs

$0 down — nothing out of pocket
Average monthly savings of 10%–50% off utility bills in year 1 (typical range, illustrative)
Zero maintenance — provider owns + monitors
~30% §48E passed into your rate
Three providers: GoodLeap, ENFIN (Santander / Qcells), LightReach by Palmetto

–You don't own the system
–Optional escalator can raise payments
–Home sale needs buyer assumption or buyout
–Savings are estimates — individual results vary, not a guarantee

Get my $0-down rate

GoodLeap · ENFIN · LightReach

Own it outright

Pay once. Own forever.

The lowest lifetime cost and the highest long-term return — no payments, no interest, and a 6–8 year average ROI window (estimate).

Best if: You have the cash and want maximum lifetime savings.

monthly payment

You

own it day one

6–8 yr

avg ROI window (est.)

Lowest

lifetime cost

See pros and trade-offs

Lowest total cost
Biggest bill savings
Adds home value
No lender, no fees
~15% average ROI in year 1 · ~25% anticipated over 25 yrs (est.)

–Largest upfront outlay
–No federal 25D credit for buyers in 2026
–ROI figures assume avg utility rates escalating ~5%/yr — estimates, not a guarantee

Get a cash price

The honest 2026 picture

What 2026 actually means for incentives

Drone view of an OC Solar rooftop array on a lakeside Southern California home, palm-lined shore behind

Federal · 25D expired

The 30% federal credit for systems you BUY ended Dec 31, 2025. It no longer applies to cash or loan purchases completed in 2026.

As of June 2026

Federal · §48E pass-through

Lease, PPA, and prepaid plans can still pass ~30% into your rate via the §48E commercial credit — available through 2027.

As of June 2026

California · SB 710

California excludes your solar system from added property tax. SB 710 locks this in permanently for systems qualifying before Jan 1, 2027.

As of June 2026

California · NEM 3.0

Daytime exports earn low avoided-cost rates. A battery is what makes the economics work by shifting energy to the expensive evening.

As of June 2026

Want the ~30% federal value without a loan or a tax bill? See how the prepaid plan captures the §48E pass-through →

This page is general information, not tax or financial advice. Incentive eligibility depends on your situation and current law — confirm with a tax professional and your OC Solar advisor before signing.

Financing questions

Straight answers on paying for solar

No. The federal residential credit (IRC §25D) for systems you buy with cash or a loan expired December 31, 2025. The 30% value now lives only in $0-down lease and PPA plans, where the provider claims the commercial §48E credit and passes it into a lower rate, available through about 2027.

Three honest paths: a no-credit-check plan through Participate Energy with monthly loans available, a $0-down PPA through GoodLeap, ENFIN, or LightReach by Palmetto where the provider owns and maintains the system, or pay cash and own it outright. We show every option side by side.

Not necessarily. Our PPA providers — GoodLeap, ENFIN, and LightReach — generally look for fair-to-good credit. If your credit is thin or rebuilding, Participate Energy's plan requires no credit check at all, offers monthly loans, and still captures about 30% of the §48E federal value.

California excludes the added value of your solar system from your property taxes, so going solar won't raise your tax bill. SB 710 locks this exclusion in permanently for systems that qualify before January 1, 2027. Confirm your situation with a tax professional before signing.

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ENFINGoodLeapLightReach by PalmettoParticipate EnergyOfficial Partner · Anaheim Ducks